Maximum deposit in dollars. Deposits in US dollars: which bank is more profitable? Where to find the best option and how to apply

The desire of a person to receive additional income from their savings is quite understandable. If you have savings in foreign currency, you can deposit them. It is very important to choose the right bank to which you entrust your money.

Moscow is a huge metropolis, in which branches of most Russian banks are open.

In order to determine the most reliable of them, pay attention to the following criteria:

1. Whether he is a member of the mandatory deposit insurance system.
2. On ratings from leading rating agencies.
3. Reviews of his clients, which can be read on numerous financial websites.

In this article:

Top 3 most reliable and stable banks in the capital

In terms of assets and the size of the deposit portfolio of individuals, the top three are as follows:

• Sberbank of Russia.
• VTB 24.
• Gazprombank.

By placing a deposit in these banks, you will not worry about the safety of your savings.

The most profitable foreign currency deposits from Moscow banks

To determine the best five, we indicate the initial data. Let's say we decide to open a deposit in the amount of $5,000. The contract is agreed to conclude for 6 months. Interest payment at the end of terms. We will not perform replenishment and partial withdrawal operations. In most cases, maximum interest rates are set for a deposit with such characteristics.

Deposit calculator

Deposit amount

Interest rate (%)

Deposit term (month)

monthly interest

Reinvested withdrawn

So, we present you the TOP 5 most profitable dollar deposits:

1. In the first position is the bank "Globex", which offers 3.3% per annum. For six months, the client will receive an income on the deposit in the amount of 82 dollars.
2. The second line in the ranking is occupied by "Tender-bank". "Classic deposit" offer to place at 3% per annum. For 6 months, the client will be paid 75 dollars percent.
3. Closes the top three bank "Ugra" and his deposit "Multi-Currency Basket". The interest rate on the deposit is 2.6% per annum. The client's income is $65.
4. The fourth position belongs to Russian Standard. On the deposit "Maximum income" the rate is 2.5% per annum. The depositor will receive interest in the amount of $62.
5. The last place in our TOP-5 is Binbank. A dollar deposit in this organization can be placed at 2.4% per annum. With $5,000, the client will receive $60 in revenue.

They offer their depositors much lower rates:

• Sberbank of Russia - 0.7% per annum.
• VTB 24 - 0.55% per annum.
• Gazprombank - 1.5% per annum.

With a huge customer base, they can afford to set minimum interest rates.

What should every contributor keep in mind?

1. Carefully read the terms of the deposit agreement, check the correctness of your personal data, the amount, the deposit currency and the rate.
2. The depositor is obliged to pay tax on interest income only if the rate on a foreign currency deposit exceeds 9% per annum. But in practice, such rates do not exist.
3. Choose the "golden mean": do not settle for too high interest rates, but you should not invest at a minimum interest rate.
4. Open an account only with banks that are members of the deposit insurance system.

Hello, friends!

It so happened that one of the most popular tools for saving and accumulating the savings of Russians is a bank deposit. In recent decades, when waves of devaluation one after another overwhelm our economy, citizens are striving. Banks are willing to meet halfway and offer deposits in US dollars, euros and some other currencies.

In the article we will review the most profitable dollar deposits in banks. But first, let's define the requirements of the depositor, which may affect the choice of a particular option.

Requirements for dollar deposits

The selection criteria will depend on the purpose for which you open a deposit. For example:

1. The goal is to keep savings. In this case, deposits with high interest rates are suitable, but without the right to replenish and withdraw.
2. The goal is to accumulate. Then it is best to open an account with the possibility of replenishment.
3. The goal is to buy a currency at a cheaper rate and resell it at a higher price. In this case, it will not be superfluous to provide for the possibility of withdrawing money at any time.

To open a foreign currency deposit, they are no different from the ruble one. First of all, these are:

1. Participation in the deposit insurance system. Money in dollars is just as insured by the state as in rubles. But the amount of the refund does not change, that is, if the license is revoked from a financial institution, you will receive up to 1.4 million rubles in compensation (at the exchange rate of the ruble to the dollar at that time).
2. Conditions for foreign currency deposits: interest rate, capitalization, replenishment and withdrawal, payment for SMS informing, etc.
3. The presence of branches in the region of residence, if this moment is important to you.
4. Customer reviews.

Consider the best offers for today from banks to open a foreign currency account.

Overview of bank conditions

Rosselkhozbank

In Rosselkhozbank, I would pay attention to the deposit for individuals “Profitable”.

The maximum interest rate is 4%. But you can get it for amounts over 25,000 US dollars for 1,460 days with interest paid on the last day of the contract.

The bank identifies 4 ways to make a deposit, on which the rates depend:

1. Online with interest payment at the end.
2. Online with monthly payment or interest capitalization.
3. At the bank's office with interest paid on the last day of the contract.
4. At the bank office with monthly payment or capitalization of interest.

Other deposit conditions:

• there is no possibility to replenish and withdraw;
• the minimum amount starts from $50;
• period from 31 to 1,460 days;
• the depositor can choose the method of paying interest: at the end of the agreement, monthly to the account or.

VTB

VTB Bank offers to open a deposit "Favorable". An amount from $500 will bring a maximum income of 3.5% in 395 - 545 days.

Interest is calculated monthly and remains on the deposit (capitalized) or transferred to the account. Hence, there are two different interest rates: nominal and effective. Let me remind you that the effective rate is the rate taking into account the previously accumulated interest.

Dollars cannot be withdrawn or deposited. In case of early termination of the contract during the first 181 days, the income will be equal to the rate on demand deposits. But, if you withdraw money after 181 days, you will receive 0.6 of the rate under the contract.

Another nuance when opening a deposit in VTB. If you do it online, then the minimum amount is $ 500, if you do it at the branch - $ 3,000.

Binbank

Binbank and its "Maximum interest" of 3.5%, which can be received in the amount of $ 300 after 367 days. Capitalization of interest is not provided, income is paid only at the end of the term.

Unfortunately, the bank's allowance for ruble deposits for pensioners does not apply to dollar savings.

Bank opening

In Otkrytie, you can keep dollars on your account at the “Basic Income” tariff. The minimum amount starts from $1,000. Yield is shown in the table. Pay attention to 2 bet values. The first is income with capitalization, the second is without capitalization.

The remaining conditions are similar to the tariffs of the above-mentioned banking institutions:

• cannot be removed;
• cannot be replenished
• can be opened online or in the office;
• income is accrued monthly, it can be withdrawn or left on the account for further capitalization and increase in profitability.

Credit Bank of Moscow

IBC offers to save up for a dream on the “Dreams” deposit. The minimum amount is $1,000, the maximum is $300,000. The interest rate is the same and amounts to 3.35% per annum. During the first 190 days of the contract, you can additionally deposit money, but partial withdrawal is not provided. There is also no income capitalization.

Gazprombank

In Gazprombank “Doors are open” for amounts from $1,000. The term is from 91 to 1,097 days. The maximum rate is 3.25% and does not depend on the amount of money in the account, only on the duration of storage.

The conditions are quite strict:

• there is no possibility of replenishment and partial withdrawal,
• No ,
• income is accrued only at the end of the term,
• the saddest thing is that there is no way to open a deposit online.

Alfa Bank

Alfa-Bank's Pobeda+ deposit allows you to save and increase the amount of $500 or more for up to 3 years. The interest rate depends on. For example, in the "Economy" package, its maximum value will be only 2.81% for amounts up to $ 10,000, in the "Optimum" package - 2.86%, "Comfort" - 2.97%, "Maximum +" - 3, 08% and Alfa Private - 3.19%.

You can not connect any service packages, then the yield will be the lowest - 2.76%. These values ​​are given for the longest duration of the contract, 3 years, and taking into account interest capitalization.

It is more convenient to use the calculator on the site.

The calculator shows that a deposit option is available, but the rates are very low and do not deserve to be considered in this article.

Other banks

Our list above did not include, for example, such popular financial institutions as Sberbank and Post Bank. In the first case, the yield on a foreign currency deposit is very low compared to other banks. Look at the table.

True, special conditions apply for pensioners - the maximum rate, regardless of the amount. But in this case, the income is very small.

It is impossible to issue a foreign currency deposit at Post Bank, only in rubles.

Surprised by Raiffeisenbank, whose interest rate on dollar deposits is only 0.01%. It is possible to open a multi-currency account, but even there the conditions are not much better - 1.5% per annum. At the same time, at least 50% of the money must be kept in rubles.

Another outsider is Promsvyazbank. You will receive a maximum of 1.55% of income in a dollar account.

Conclusion

Almost until the end of 2017, dollar deposit rates were at a very low level (up to 1%). Since October 2017, Sberbank increased its yield in foreign currency for the first time in a long time by several points. And the other players of the banking market immediately pulled themselves up.

This growth continued in autumn 2018. The fact is that low rates have led to a loss of interest in deposits on the part of the population. The outflow of capital into more attractive instruments has begun. Therefore, banks began to change their policy regarding not only ruble, but also foreign currency deposits in the direction of increasing their profitability. After the increase in the key rate of the Central Bank to 7.5%, the upward trend in bank rates only intensified.

I can't help but ask our readers if you have any savings in foreign currency or do you use other tools to save and increase money?

The highest rates on deposits in Moscow banks from the top 10 are presented on this page. You can compare and choose a deposit at the maximum percentage for today, in 2020.

A bank deposit for individuals today is one of the most accessible tools for investing savings. By opening a deposit, you keep your money in a safe place, receive a small income from it, and also have quick access to it if necessary.

Most deposits that are issued at maximum interest have common features. They cannot be replenished, partial withdrawal of money without loss of interest is also prohibited. The only exception is short-term deposits for a period of 1-3 months. But they, in general, are not term deposits, but savings accounts with no time limit for investing savings.

When choosing a deposit, of course, first of all, everyone looks at the percentage offered by the bank. Below are the most profitable deposits for individuals today in Russian banks from the top 10, as well as their decoding by terms:

• 1 month;
• 3 months;
• 6 months (six months);
• 1 year (12 months).

Deposits with the highest interest rates today

Thinking about where to invest money in 2020 so that they work, many are wondering: which bank has the largest percentage of deposits today. But when opening a deposit account with a bank, one should pay attention not only to the percentage, but also to the conditions of this deposit, such as the minimum amount and term.

Deposit calculator

Deposits at the maximum percentage in top 10 banks

"A profitable approach"
ICD

For those who open IIS
Without replenishment
Without partial removal
Without capitalization
Interest at the end of the term

"Takeoff"

Replenishment
Partial withdrawal
Without capitalization
Interest monthly

"For life"
UniCredit Bank

Registration of ILI or NSZH
Without replenishment
Without partial removal
Capitalization monthly
Interest monthly

"Profitable"

Without replenishment
Without partial removal
Without capitalization
Interest at the end of the term

"Reliable Promo"
FC Otkritie

Without replenishment
Without partial removal
Capitalization monthly
Interest monthly

"My income"

Replenishment
Without partial removal
Capitalization at the end of the term
Interest at the end of the term

"150 years of reliability"

Without replenishment
Without partial removal
Without capitalization
Interest at the end of the term

"For Savings"
Gazprombank

Without replenishment
Without partial removal
Without capitalization
Interest at the end of the term

"Growing Time"
VTB bank

Without replenishment
Without partial removal
Capitalization monthly
Interest monthly

"Victory+"

Without replenishment
Without partial removal
Capitalization
Interest monthly

"Save"

Without replenishment
Without partial removal
Without capitalization
Interest at the end of the term

Deposits with maximum interest for 1 month

Deposits with maximum interest for 3 months

High interest deposits for 6 months

High interest deposits for 1 year

If you need to withdraw all the money from the deposit before the expiration date, you can do this at any time. However, interest will most likely not be charged!

What is the safest amount to open deposits?

According to Russian legislation, deposits up to 1,400,000 rubles are insured if the bank participates in the deposit insurance system. In the event of revocation of a license from such a bank, the Deposit Insurance Agency, through agent banks, fulfills obligations to its depositors within the established limit. This is the meaning of the guarantee of the safety of savings entrusted to the bank.

In a word, if you invest less than 1,400,000 rubles, then you can choose the highest percentage of deposits in banks- if the license is revoked, of course, you will have to be nervous, but the money will still be returned.

Refunds in excess of the specified amount are not guaranteed, so if you keep more than 1,400,000 rubles in the bank, then you are taking on an increased risk.

Find out the exact conditions and interest on deposits in branches or on the official websites of banks. The data is presented for informational and educational purposes and is not a public offer.

Each person saves money for different purposes. However, many do not understand that keeping savings at home is not the best solution. Instead of generating income for their owner, they only lose their real value due to inflation. In addition, often people do not hold back and spend money. However, deposits in Moscow will help you not only save your finances, but also increase them in accordance with the agreement.

Today this product is a universal investment tool. Unlike stocks or precious metals, you don't need special knowledge or constant analysis of the economic situation. You just find a suitable offer and sign a contract. At the same time, most organizations do not have any restrictions on minimum contributions, and if they exist, they are small.

The contract itself is very important, so before signing it, you need to read the text personally. To do this, ask the bank employees to give a sample in printed or electronic form and carefully read all the points, especially those written in small print and marked with an asterisk. With the help of such tricks, unscrupulous organizations try to mislead a potential client and prescribe unfavorable conditions for him in the agreement.

Description of important points

The main advantage of the service, in addition to a stable income, is reliability. Consumer accounts are protected by the state at the legislative level through the compulsory insurance program. Therefore, in the event of liquidation or revocation of the license, you will be compensated. However, it is limited to 1.4 million rubles, which does not prevent you from dividing the amount exceeding this limit and placing it in several organizations, eliminating various risks.

The next aspect we will look at is account types. The first one is urgent. In this case, you place funds for a certain time period. Of course, you have the right to apply for early withdrawal, but with a high probability the bank will refuse to pay the accumulated interest. At the same time, this type of deposit is divided into savings and accumulative, which is provided for periodic replenishment (popularly called a "piggy bank").

The second option - on demand - comes at a low rate. The thing is that it is unprofitable for an organization to keep finances at home, knowing that the owner has the right to demand their return at any time. Such a product is preferred by that category of customers who are satisfied with the fact of reliability, and they are of little interest in potential profit.

Online Assistant

On the site you will find products that are currently on the market. It contains reliable information, which our experts check and update daily. By comparing the services by their main parameters - and this is the interest rate, the cost of opening and commission, you will be able to make the right decision, and the ratings section will help you in choosing an organization. the site is the largest financial supermarket in Runet, which has been successfully operating for more than ten years. All offers displayed on this page are the best or profitable only according to the experts of Banki.ru

They allow you to save your capital, additionally making a profit. They can be made in both dollars and euros. Some for individuals offer to open an account in another exotic currency. In 2020, it changed several times, but in any case, the flow of people who decided to keep funds in foreign currency did not decrease.

Interest on foreign currency deposits in Moscow

Deposits in foreign currency in Moscow are suitable for various programs. Their popularity is due to:

• currency stability;
• low risks associated with the depreciation of money;
• high yield.

Banks offer standard and large deposits. The first option is more accessible to individuals. It is characterized by a minimum initial payment, average interest rates and additional features. Large deposits are distinguished by strict rules and restrictions, but allow you to get the maximum possible profit.

In which bank is it better to open a deposit in foreign currency?

In foreign currency, you can get it when you open an account for a long time. We invite you to get acquainted with the offers from various financial institutions. They will allow you to make the right decision, choose the right conditions.

Deposits in foreign currency will always be offered at lower rates than when making a transaction in rubles. Correctly calculate the profit and compare offers will help, which is on our website.